Process for issuing coupons for goods or services to purchasers at non-secure terminals

• US 5,884,277 A
• Filed: 05/01/1995
• Issued: 03/16/1999
• Est. Priority Date: 05/01/1995
• Status: Expired due to Term

• Current Assignee: Vinod Khosla
• Original Assignee: Vinod Khosla
• Inventors: Khosla, Vinod
• Primary Examiner(s): Cosimano, Edward R.
• Application Number:
  US08/431,831
• Time in Patent Office: 1,415 Days
• Field of Search: 395/205, 395/206, 395/214, 235/375, 235/379, 235/380, 235/381, 235/383, 364/400, 380/23, 380/24, 380/25, 380/51, 380/55, 705/5, 705/6, 705/14, 705/26, 705/27
• US Class Current: 705/14.26
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards

Abstract

A method for automated issuance of a coupon redeemable for goods or services purchased in a transaction involving a purchaser at a non-secure terminal on a public network is provided. The method includes receiving purchaser login data from the public network at a processing system, where the login data positively identifies the purchaser. The system provides through the public network to the identified purchaser a gateway to tools for selecting goods or services for purchase. The purchaser selects goods or services using these tools and provides payment information through the public network for the selected goods or services. The processing system verifies payment for goods or services. Next, the processing system generates coupon data, such as a clear text transcript of the transaction, and an encrypted transcript of the transaction. The coupon data is sent to the purchaser across the public network, enabling the purchaser to a coupon at a non-secure terminal. The coupon may be redeemed for the selected goods or services at a later date. The invention may be applied to the issuance of airline tickets, redeemable for travel. Coupon verification may be provided at the point of travel, where computer systems may be connected directly to a verification function.

Claims

1. A method for automated issuance by a data processing system of redeemable data in a transaction involving a purchaser at a non-secure terminal on a public network, comprising:

receiving purchaser login data from the public network at a processing system, the login data identifying the purchaser;

providing through the public network to the identified purchaser at the non-secure terminal a gateway in the processing system to tools for selecting goods or services for purchase;

receiving payment information through the public network, from the purchaser for selected goods or services;

verifying payment; and

generating and sending to the purchaser at the non-secure terminal redeemable data through the public network including information sufficient to be redeemed for goods or services, wherein said generating includes encrypting at least a portion of said redeemable data.

2. The method of claim 1, including:

providing verification services to providers of the goods or services by which valid coupon data is verified.

3. The method of claim 1, including:

providing arbiter services to purchasers by which valid coupon data is verified.

4. The method of claim 1, wherein the purchaser is assigned a personal identification number (PIN), and including verifying identity of a person attempting to redeem the coupon data in response by processing the personal identification number.

5. The method of claim 1, wherein the purchaser prints the coupon data on secure stock, and including verifying the coupon data if printed on secure stock.

6. The method of claim 1, including storing, by the non-secure terminal, said redeemable data in a machine readable store.

7. The method of claim 1, including printing, by the non-secure terminal, said redeemable data on a human readable stock.

8. A method for automated issuance by a data processing system of a coupon redeemable for goods or services in a transaction involving a purchaser at a non-secure terminal on a public network, comprising:

receiving purchaser login data from the public network at a processing system, the login data identifying the purchaser;

providing through the public network to the identified purchaser at the non-secure terminal a gateway in the processing system to tools for selecting goods or services for purchase;

receiving payment information through the public network, from the purchaser for selected goods or services;

verifying payment; and

generating and sending to the purchaser at the non-secure terminal coupon data through the public network including information sufficient to be redeemed for the selected goods or services, wherein the coupon data includes a clear text transcript of the transaction and an encrypted transcript of the transaction.

9. The method of claim 8, wherein the encrypted transcript includes data indicating the identified purchaser, the selected goods or services and verification of payment.

10. The method of claim 9, wherein the encrypted transcript includes data indicating when the transaction occurred.

11. A method for automated issuance in a data processing system of an airline ticket redeemable for travel in a transaction involving a purchaser at a non-secure terminal on a public network, comprising:

receiving purchaser login data from the public network at a processing system, the login data identifying the purchaser;

providing through the public network to the identified purchaser at the non-secure terminal a gateway in the processing system to tools for making airline reservations for purchase;

receiving payment information through the public network, from the purchaser for selected airline reservations;

verifying payment;

generating a clear text transcript of at least a portion of the transaction;

generating an encrypted transcript of at least a portion of the transaction

sending the clear text transcript and the encrypted transcript to the purchaser at the non-secure terminal across the public network for use by the purchaser as an airline ticket.

12. The method of claim 11, including:

providing verification services to providers of the airline travel services by which valid tickets are verified.

13. The method of claim 11, including:

providing arbiter services to purchasers of the airline travel services by which valid tickets are verified.

14. The method of claim 11, wherein the purchaser is assigned a personal identification number (PIN), and including verifying the encrypted transcript in response to the personal identification number.

15. The method of claim 11, wherein the purchaser prints the encrypted text transcript on secure stock, and including verifying the encrypted text transcript if printed on secure stock.

16. The method of claim 11, wherein the encrypted transcript includes data indicating the identified purchaser, the reserved airline travel services and verification of payment.

17. The method of claim 16, wherein the encrypted transcript includes data indicating when the transaction occurred.

18. A method for automated issuance in a data processing system of a coupon redeemable for goods or services in a transaction involving a purchaser at a non-secure terminal on a public network, comprising:

receiving purchaser login data from the public network at a processing system, the login data identifying the purchaser;

opening a gateway for the purchaser at the non-secure terminal to a catalog system providing through the public network tools for selecting goods or services for purchase;

receiving reservation confirmation data from the catalog system and signaling the purchaser of a confirmed reservation for goods or services;

receiving payment information through the public network, from the purchaser for the confirmed reservation;

verifying payment;

generating a clear text transcript of at least a portion of the transaction;

generating an encrypted transcript of at least a portion of the transaction;

sending the clear text transcript and the encrypted transcript to the purchaser at the non-secure terminal across the public network for use as a coupon.

19. The method of claim 18, wherein the encrypted transcript includes data indicating the identified purchaser, the reserved goods or services and verification of payment.

20. The method of claim 18, wherein the encrypted transcript includes data indicating when the transaction occurred.

21. The method of claim 18, including:

providing verification services to providers of the goods or services by which valid coupons are verified.

22. The method of claim 18, including:

providing arbiter services to purchasers of the goods or services by which valid coupons are verified.

23. The method of claim 18, wherein the purchaser is assigned a personal identification number (PIN), and including verifying the coupon in response to the personal identification number.

24. The method of claim 18, wherein the purchaser prints the encrypted text transcript on secure stock, and including verifying the encrypted text transcript if printed on secure stock.

25. A method for automated issuance of a coupon redeemable for travel in a transaction involving a purchaser at a non-secure terminal on a public network, comprising:

receiving purchaser login data from the public network at a processing system, the login data identifying the purchaser;

opening a gateway for the purchaser at the non-secure terminal to an airline reservation system providing through the public network tools for making airline reservations for purchase;

receiving reservation confirmation data from the airline reservation system and signaling the purchaser of a confirmed reservation;

receiving payment information through the public network from the purchaser for the confirmed reservation;

verifying payment;

generating a clear text transcript of the transaction;

generating an encrypted transcript of the transaction, wherein the encrypted transcript includes data indicating the identified purchaser, the reserved airline travel services and verification of payment;

sending the clear text transcript and the encrypted transcript to the purchaser at the non-secure terminal across the public network for use as an airline ticket so that the airline ticket may be redeemed for the reserved airline travel services at a later date.

26. The method of claim 25, wherein the encrypted transcript includes data indicating when the transaction occurred.

27. The method of claim 25, including:

providing verification services to providers of the airline travel services by which valid tickets are verified.

28. The method of claim 25, including:

providing arbiter services to purchasers of the airline travel services by which valid tickets are verified.

29. The method of claim 25, wherein the purchaser is assigned a personal identification number (PIN), and including verifying the encrypted transcript in response to the personal identification number.

30. The method of claim 25, wherein the purchaser prints the encrypted text transcript on secure stock, and including verifying the encrypted text transcript if printed on secure stock.